The comfort of using plastic cards is undeniable, but the emergence of new products never ceases to please with the expansion of opportunities and special privileges. The exquisite black MasterCard offers exclusive service to the most demanding and demanding customers. Many advantages are available to cardholders of an elegant anthracite color, because respectable plastic with the magic phrase Black Edition convincingly emphasizes the VIP status of its owner.

Product Advantages

Having received a MasterCard Black Edition card equipped with PayPass® contactless payment technology, you have the right to count on a lot of comfortable benefits and a high level of service:

• premium service;
• serious insurance coverage when traveling abroad;
• access to VIP areas of airports;
• tangible discounts on purchases;
• special offers and service packages from banks issuing Word MasterCard Black Edition credit cards.

The last point is worth mentioning separately. For example, the MasterCard Black Edition Premier credit card is a reliable protection of funds in case of loss or theft of plastic, compensation for losses in case of loss of luggage while traveling, booking hotels and tickets for significant events. The MasterCard Premier card provides an opportunity to get a significant loan with moderate interest rates, as well as use the services of a mobile bank.

How to get an elite credit card

Not all metropolitan banks offer their customers exclusive black cards and the unique premium product World MasterCard Black Edition, which implies the VIP status of its holder. CREDITZNATOK comes to the rescue - for Moscow residents, the company's website presents the best offers and the most up-to-date information. You can compare the services provided by Moscow banks and choose the best option for you. Sophisticated filtering helps you quickly find what you need - rich Premier or World programs, debit or credit products, conditions acceptable to you. To become the owner of Black Edition, fill out the proposed form and wait for the approval of the application, which can be submitted to several banking institutions at once. After drawing up a loan agreement, you will become the holder of a respectable plastic with an exquisite design on a black background - your reliable partner in the world of privileges and a high level of comfort.

All banking products work on the basis of payment systems (PS). Those, in turn, begin to divide into classes. The privileges, pluses and minuses provided by the payment system, as well as the cost of annual maintenance depend on the level of the bank card class.

In this article, we will talk about the Mastercard Black Edition product. The black card belongs to the highest class - "Premium" with exclusive offers from PS. The privileged group also includes Platinum, Plastic Infinite and World Elite.

Features, Pros and Benefits

World Mastercard Black Edition "Premier" - has a high class of service and is usually issued and issued only for VIP clients. To date, banks have begun to issue these cards to anyone. Such products are typically used by travelers and highly privileged businessmen who have multi-million dollar accounts at the issuing bank.

• The possibility of opening a credit account with a limit of several million.
• Black Edition in most cases has free SMS banking (not in all banks).
• The interest rate on the loan is below average.
• The ability to insure yourself and your loved ones on trips for free.
• A personal manager who will advise the client on bank accounts at any time.
• Participation in discount programs from a credit institution and the MasterCard payment system.
• Emergency cash withdrawal abroad if the card has been lost. Issued by any bank.
• Upon presentation of the card, you can get Priority Pass privileges. This makes it possible to visit the business lounges of almost any airport on the planet.
• Purchase tickets at discounted prices. to various events around the world.
• Nielsen Club service - gives you the opportunity to travel anywhere in the world on any route.
• High ceiling for daily and monthly cash withdrawals. Up to several million.
• Possibility to issue a multi-account: in rubles, euros or US dollars.

NOTE! You need to understand that some of the pluses and privileges may be curtailed by the bank itself and differ depending on the institution where the PS Mastercard product was issued.

Minuses

• Very expensive yearly maintenance.
• It makes sense to apply only to wealthy clients in order to receive maximum privileges.

MTS

• If the amount on the balance is more than 400 thousand or the amount of purchases is more than 100 thousand, then the service is free.

BINBANK AirMiles

• Bonus program "My travels". 1% for everything, 7% for purchases in the "AIR TRAVEL" category.
• Remuneration no more than 10 thousand rubles per month.

BINBANK SVO Club Premium

• A similar program, as on the last card.
• Additional bonus program: 10% for purchases at Duty Free, but only at Sheremetyevo.
• 10% discount when paying an invoice in "Shokoladnitsa"

Tinkoff Black Edition

• There is a refund: 5% in the selected category of goods or services, 1% for everything and up to 30% from bank partners for special. suggestions.

Orange Premium Club - Promsvyazbank

• Free service if the account has an amount of at least 2,000,000 rubles. Or 1,000,000 with a purchase amount over the past 30 days of at least 50,000 rubles.

• Booking tickets for flights, renting a car, etc. - makes it possible to accumulate miles. 1.5 miles for every 30 wooden ones spent, and 15 miles for every 67 rubles on the iGlobe.ru website.
• The first purchase gives 2500 welcome points.

• Privileged black Master Card product with a bonus program. 2 points for every 60 rubles spent.
• Bonuses or miles can be spent on tickets in two companies: "Aeroflot" and "SkyTeam".

• Bonus program "Harvest". 1.5 points for 1000 rubles spent.
• The maximum number of points per month is 10,000.

Terms of receipt and use

At this time, banks do not set strict conditions. Since if an ordinary client takes it, the bank will receive benefits from expensive services. So buying it and making it out only “for antlers” is not worth it.

Outcome

Let's take a look at black products from different banks. You may notice that the conditions offered by credit institutions are not so heavenly. It is worth paying attention to cards with income programs. They will allow you to accumulate money with a residual balance. Funds flow monthly in the equivalent of an annual percentage.

Banking plastic has long been used in the purse and wallets of our citizens. Among card products in Russia, Visa and MasterCard offers are the most popular. Both regular and premium cards of these payment systems provide the user with benefits that can satisfy any choice. One of the unique products is the World MasterCard Black Edition.

About the payment instrument

The Black Edition series cards are the epitome of synergy of exclusive privileges and sophisticated design with a sober, at first glance, black color scheme. These products are for people who travel a lot and appreciate premium service and comfort.

The MasterCard card is equipped with a technology that allows you to pay for purchases with one touch - just touch the card or phone to the terminal at the checkout. Fast and convenient, because you do not need to enter a PIN or expect a check. At the same time, the owner controls the payment process, since it is not necessary to transfer the card to the cashier, and the terminal will give a signal and turn off.

Key features

In this case we are talking about a privileged card, if in this respect it is possible to compare MasterCard products with each other. The following MasterCard World Black Edition privileges become available to the user:

1. Contactless payments and transfers with MoneySend.
2. Protection against hacking SecureCode.
3. Shopping online with MasterPass technology.
4. Business lounges on preferential terms.
5. Translations on VKontakte and Odnoklassniki.
6. Preferential payment of loans.
7. Bonus program MasterCard Rewards.
8. All the conveniences of using mobile applications and much more.

What is MoneySend from MasterCard

MoneySend is a unique optional service that allows you to conveniently transfer and receive money in the following ways:

1. Transfers between cards via the Internet / mobile bank, ATM or mobile phone.
2. Withdrawal through any ATM, Russian Post website and systems money transfers.
3. By card number in mobile phone stores, points of money transfer systems, Russian Post offices and terminals.
4. Transfers to a card from an electronic wallet.

You only need the number and expiration date of the recipient's card. To transfer money, you can contact the operator of the nearest bank branch. At the same time, you don’t have to worry about details, fill out questionnaires and stand in lines, and upon receipt, worry about the safety of large sums.

MasterCard SecureCode - reliable protection

Sberbank is reaching a new level of customer service quality. Since 2017, the issue of premium debit and credit cards has begun. The products include quite a lot of options, however, and the cost of maintenance is increased compared to standard offerings. Premium cards are aimed at the upper middle income category of the population.

Debit premium cards

Sberbank premium debit cards are provided to bank customers who have a deposit or a salary project. However, any client can apply for registration on the bank's website. In addition to enhanced security features, the availability of additional insurance services and support for contactless payments, the programs provide for a variety of discounts for servicing in organizations that are the bank's partners.

Mir premium debit cards

The Mir card premium from Sberbank has been issued relatively recently, previously only offers for pensioners and the classic version were available to borrowers. The product can be issued for public sector employees as part of a salary agreement. The card of the international payment system is valid for 5 years. According to the "Thank you" program, increased bonuses are awarded (10% of spending). Replenishment of the account is carried out without commissions, the amount of daily operations for cashing out can be up to 300,000 rubles per day. The maintenance fee is 150 rubles per year.

Sberbank Premier premium cards

Sberbank Premier premium platinum cards are a type of debit account. You can draw up an agreement by personally contacting the bank at the age of 18 years. The cost of annual maintenance is 4900 rubles per year. The validity period of the plastic is 3 years.
As part of the package, the client can issue up to 5 premium debit cards Visa Platinum Premier and World MasterCard Black Edition Premier free of charge for himself and loved ones.

Credit cards Visa Signature and World MasterCard Black Edition

Under the Visa Signature and MasterCard World Black Edition programs, Sberbank focuses on the presence of large bonuses, within which up to 10% of the purchase amount is returned. The product assumes an increased credit limit. A credit card is convenient for use when traveling abroad.

The Sberbank premium card provides the following types of services:

• a personal manager is allocated;
• free consulting support line "Sberbank Premier";
• a large network of premium service points (more than 200 points in Moscow alone).

Sberbank's premium mastercard black edition card does not provide for the issuance of additional cards. This service is also not available for the Visa Signature product.

Terms of use and interest

World MasterCard Black Edition allows you to earn miles for buying air tickets (2 miles for every 60 rubles). Upon activation of the account, the client is provided with 1000 miles as a gift. In the future, these bonuses can be exchanged for tickets and flights with Aeroflot and SkyTeam. In addition, compensation of up to 600 euros for delayed or canceled flights with Compensair is provided, as well as 20% discount on transfers to and from the airport with Gett and Wheely and free luggage wrapping.
The premium calculator, Autopayment services and SMS banking will be available in the client's personal account. Borrowers automatically participate in the Visa World of Privilege program, under which there are many discounts and special offers.

Sberbank premium card, the cost of service does not change throughout its entire validity period. The account will be active for 3 years.

Advantages and disadvantages

Since this type of product was introduced not so long ago, users have not yet managed to assess how favorable the conditions are. These credit cards are more suitable for users whose monthly cash flow exceeds 150,000 rubles. It is most beneficial to use a non-cash payment method, since reward points are awarded for this.
Premium class cards provide the following benefits to customers:

1. Protection and safety, 3D Secure technology is involved.
2. Low interest rate.
3. Increased credit limit in comparison with the classic conditions.
4. Insurance of funds when traveling abroad, the territory of action is the whole world.
5. Availability of additional insurance programs (purchase protection, extended warranty).
6. Many discounts, promotions and privileges when shopping in stores, restaurants, hotels, airports.
7. Support for Visa PayWave and PayPass contactless payments.
8. Connection "Priority Pass".
9. Account management using the Mobile Bank and Sberbank Online @ yn applications.
10. Cash withdrawal in Russia and in affiliated banks abroad on the same terms.

We can immediately say that only with active use, the client will be able to appreciate all the advantages of the card. If you do not withdraw funds, but the account has been activated, the service fee will still be charged.
Among the shortcomings are:

• no additional cards;
• collection only at a bank branch;
• expensive annual maintenance (commission);
• high penalties for missed payments;
• Not all customers have this offer.

Only “selected” clients can get premium plastic, for example, those who have a salary project or a deposit in Sberbank. In general, these conditions may be of interest to both individuals and businessmen who actively make cashless payments and make frequent flights abroad.

How to apply?

The contract is concluded according to the application of the client. On the bank's website, you can apply online. In this case, the borrower must have access to the client's personal account or go through a simple registration in the system.


The conclusion of the transaction is carried out only with the personal presence of the client in the branch. You can activate the account already on the day the plastic is handed over.
A Sberbank premium credit card is provided if the borrower meets the following requirements:

1. Citizenship - Russian Federation.
2. Age - from 21 to 65 years.
3. Presence of registration in the territory of the Russian Federation;
4. Work experience at the last place of work must be at least 1 year continuously (for the last 5 years) and at least 6 months of continuous work experience.

Visa Signature Aeroflot is provided exclusively at the personal offer of the bank. This may be an SMS informing, a written notification or a personal call from a bank employee.

Repayment terms

The Sberbank premium visa card is also convenient to use because there is no requirement for the amount minimum amount payment. However, the credit limit also applies only to non-cash transactions. You should also remember that the money must be paid before the end of the payment period (it is 1 month). You can deposit funds from another cash account, through ATMs and terminals, or using a mobile bank.

High incomes and considerable monthly expenses will allow you to pay attention to one of the varieties of premium plastic. The special black card of Sberbank is designed for wealthy people, it includes very profitable options and numerous bonuses associated with the current program and payment system.

According to its terms, cost of maintenance and limitations, the black edition does not differ much from the platinum. The difference lies in one important point. Black plastic from Visa will allow you to participate in the lending program, platinum refers to debit cards.

1. The potential owner receives a tempting bank special offer.
2. The cost of servicing is not considered too high for the segment, early repayment is allowed in the absence of hidden fees.
3. The bonus program includes the highest rates, especially for non-cash payments.
4. Additional privileges are provided: discounts, accumulation of miles and bonuses, provision of medical and legal assistance.
5. Mobile banking services and urgent reissue in case of loss abroad are free of charge.
6. The accumulated points are used to purchase various tickets, pay for a taxi ride and goods in the affiliate network.

General characteristics

To evaluate the benefits of black edition will help to study the basic conditions. Among them are:

• annual maintenance cost not exceeding 4900 rubles;
• increased lending ceiling, from 600,000 to 3 million rubles;
• a fixed rate starting at 21.9 percent;
• discounts at gas stations, at catering points and taxis up to 10 percent;
• payment in supermarkets, allowing you to return from 1.5 to 5 percent;
• risk insurance for foreign trips, including medical and informational, legal and technical support;
• attaching a personal manager, emergency free production and delivery of plastic due to damage and loss;
• provision of up to 1000 miles upon activation and their accumulation (at the rate of 60 rubles - 2 miles);
• benefits for air travel and airport visits, including a 20% discount on transfers and a refund of 600 euros in the event of a canceled or delayed flight.

You do not have to pay for the SMS informing service. After registering in the account, you will always be able to make calculations using the premium calculator, learn about offers and bonuses associated not only with the Visa and Mastercard systems.

Getting bonuses

Bonuses are calculated according to a certain system. The developed scheme allows:

• return up to 0.5 percent for a purchase paid by bank transfer;
• increase the size to 1.5 percent after visiting and purchasing products in a large retail chain;
• raise the bar to 5 percent by visiting a restaurant or cafe;
• provide a cashback of 10 percent by using the services of gas stations, taxis or Internet services.

The transport world mastercard guarantees the gradual accumulation of miles. They are usually exchanged for air tickets. The embedded chip will allow using contactless technology when paying if the amount does not exceed 1,000 rubles.

Accumulation of bonuses

Regular trips in Russia and abroad or the habit of spending a lot of money every month while shopping lead to the need for a choice. Conditions and lending programs are studied in your personal account.

A black credit card is selected that meets the requirements put forward. An application is submitted, an agreement is signed and an annual package is paid. It will take up to 2 weeks to make.

Activation and participation in the bonus program occur virtually simultaneously after the first payment and the registration procedure. It is enough to receive SMS and enter a code designation.

Accumulation of points is carried out according to the standard scheme. One bonus is equal to one ruble spent. Calculations will help to make a calculator on the official page. Compared to classic cards, the number of bonuses grows by 20 times and the accumulation takes place in an accelerated mode.

How to apply?

The impetus for the registration procedure can be a message sent to the phone or to your personal account. The proposal is made in the office during the visit. The answer is given personally, with the help of a click and a response message.

You can apply through your account. The requirements are studied and the card design button is pressed. It is somewhat easier for regular customers and participants in the salary project, they do not need an income statement.

A positive decision will allow you to sign an agreement and wait for the card to be received in your hands. It takes from 10 to 14 days to manufacture, but it is better to follow this process.

A set of client-side requirements

A potential owner of a black edition must meet a number of criteria put forward. These include:

• the presence of a passport certifying Russian citizenship, and a stamp of permanent or temporary registration;
• reaching the age of 21 and up to 65 years inclusive;
• at least six months of official work experience (for a five-year period, one year must be worked out);
• statement of regular income (personal income tax-2).

It is not necessary to look for guarantors and pledge property. The good news is that you have a good credit history.

Features of providing a card

You should follow a certain algorithm of actions, moving from one stage to the next. Large bonuses are guaranteed and require a special approach:

• familiarization with the product;
• the prepared application contains an indication of the purpose, details and passport data;
• a package of documentation is being collected, depending on the degree of cooperation with the bank;
• a contract is prepared, including the rights and obligations of the parties;
• a decision is made on the issuance and limit;
• signing will provide an opportunity to get your hands on a contract with a code designation;
• it will be possible to pick up the card after production, the message should be sent by the attached manager.

It remains to register in the bonus program, immediately use the due discounts and benefits. Especially when you constantly visit members of the affiliate network.

Promotions and special offers

Information about discounts and special offers will constantly appear on the account pages or come in the form of SMS to the smartphone linked to the card. It will not be superfluous to subscribe, which allows you to set up an email newsletter. Additionally, install applications from partners.

Terms of use and interest

Terms of use are typical for the premium segment. It is enough to pay 4,900 rubles for the package and actively use the credit card at your discretion for three years.

The special offer refers to the inclusion of a rate of 21.9 percent. Other customers will be able to count on 25.9. At the same time, the penalty will lead to an increase and bring it up to 36 percent per annum.

Cashing in self-service devices threatens to include rates from 3 to 4 percent (starting from 390 rubles). The use of third party ATMs will incur an additional fee.

The credit bar starts from 600 thousand and grows up to 3 million rubles. For a day, it will be possible to receive no more than 100,000 rubles in cash in the terminal. At the cash desk of the office will be able to issue up to 300 thousand rubles.

Advantages and disadvantages

Premium plastic created for active users. The monthly turnover of funds usually reaches 150 thousand rubles.

1. Increased loan amount at low interest rates.
2. Contactless payments make it easier to pay (up to 1000 rubles) and increase security measures.
3. Insurance programs and support justify the cost of the package.
4. Discounts and promotions are constantly offered. Bonuses accumulate quickly, taking into account the payment for purchased goods and services, flights and travel, visits to restaurants and gas stations.
5. Management is carried out from a smartphone and in a personal account. It is possible to prevent the formation of debt and timely transfer money to the account.
6. Withdrawing cash in the regions and abroad is not difficult.

The number and size of bonuses are growing significantly. Privileges make plastic especially attractive and help you save a lot. The disadvantages are.